Private Bancorp of America, Inc. (PBAM)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 55 | 70 | 85 | 10 | 211 | 125 | 133 | - |
| Operating profit | $m | 58 | 63 | ||||||
| Net profit | $m | 11 | 21 | 25 | 41 | 36 | 41 | 45 | 49 |
| EPS reported | $ | 6.92 | 7.70 | ||||||
| Operating cashflow per share | $ | 7.83 | 0.00 | ||||||
| Capex per share | $ | 0.27 | 0.00 | ||||||
| FCF per share | $ | 7.56 | 0.00 | ||||||
| Free cash flow | $m | 43 | 26 | ||||||
| Net debt | $m | -335 | -252 | ||||||
| Book value equity | $m | 264 | 286 | ||||||
| Book value per share | $ | 45.31 | 49.73 | ||||||
| Number of shares | m | 5.83 | 5.74 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.31 | 11.14 | ||||||
| P/B LTM | x | 1.25 | 1.16 | ||||||
| P/S LTM | x | 2.64 | 2.48 | ||||||
| P/FCF LTM | x | 7.61 | 12.53 | ||||||
| EV/EBITDA LTM | x | 3.39 | 3.18 | ||||||
| EV/Sales LTM | x | 1.16 | 1.19 | ||||||
| Earnings Yield LTM | % | +12.03% | +8.98% | ||||||
| FCF Yield | % | +13.14% | +7.98% | ||||||
| Quality | |||||||||
| ROE | % | +15.41% | +16.56% | ||||||
| ROIC | % | +13.02% | +1.65% | ||||||
| Operating margin | % | +33.56% | +35.75% | ||||||
| Gross margin | % | +69.19% | +72.33% | ||||||
| FCF/Sales | % | +25.17% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +12.52% | +25.20% | ||||||
| Sales Growth YoY | % | -40.71% | -36.97% | ||||||
| Net Income Growth YoY | % | +13.52% | +24.85% | ||||||
| FCF Growth | % | +20.99% | -26.54% | ||||||
| Operating Profit Growth | % | +10.60% | +19.93% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 1.50 | 1.01 | ||||||
| Net Debt/EBITDA | x | -2.21 | -4.02 | ||||||
| EBIT/Net interest | x | 1.23 | 1.48 | ||||||
| Net debt/market cap | % | +8.78% | +5.63% | ||||||
| Net debt/Equity | x | -1.27 | -0.88 | ||||||
| Gross debt/equity | x | 0.11 | 0.09 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Private Bancorp of America, Inc., acting as the parent company for CalPrivate Bank, offers a comprehensive range of financial products and services tailored for both individual and business customers throughout California. For personal banking needs, the institution provides various deposit accounts, including checking, savings, money market, certificate of deposit, and retirement options. It also extends personal credit lines and term loans. Additional conveniences for individual clients include direct deposit, online banking, ATM and debit card access, credit cards, overdraft protection linked to savings or credit lines, secure safe deposit boxes, and Certificate of Deposit Account Registry Service (CDARS). Its business banking offerings encompass essential checking, savings, and sweep accounts, augmented by numerous corporate solutions. These include advanced treasury management, merchant card services, bill payment, positive pay fraud detection, e-statements, remote deposit capture, wire transfers, electronic payment and collection systems, electronic check acceptance, account reconciliation, cash vault services, and both gift and business credit cards, alongside extensive funds management. The company further provides diverse loan products, such as financing for commercial real estate, Small Business Administration (SBA) initiatives, construction ventures, equipment purchases, and business expansion. Working capital lines of credit and letters of credit are also available. Operational branches are situated in key Californian locations: La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands. Private Bancorp of America, Inc. was founded in 2006 and its corporate headquarters are located in La Jolla, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Private Bancorp of America, Inc. (PBAM)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Private Bancorp of America, Inc., acting as the parent company for CalPrivate Bank, offers a comprehensive range of financial products and services tailored for both individual and business customers throughout California. For personal banking needs, the institution provides various deposit accounts, including checking, savings, money market, certificate of deposit, and retirement options. It also extends personal credit lines and term loans. Additional conveniences for individual clients include direct deposit, online banking, ATM and debit card access, credit cards, overdraft protection linked to savings or credit lines, secure safe deposit boxes, and Certificate of Deposit Account Registry Service (CDARS). Its business banking offerings encompass essential checking, savings, and sweep accounts, augmented by numerous corporate solutions. These include advanced treasury management, merchant card services, bill payment, positive pay fraud detection, e-statements, remote deposit capture, wire transfers, electronic payment and collection systems, electronic check acceptance, account reconciliation, cash vault services, and both gift and business credit cards, alongside extensive funds management. The company further provides diverse loan products, such as financing for commercial real estate, Small Business Administration (SBA) initiatives, construction ventures, equipment purchases, and business expansion. Working capital lines of credit and letters of credit are also available. Operational branches are situated in key Californian locations: La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands. Private Bancorp of America, Inc. was founded in 2006 and its corporate headquarters are located in La Jolla, California.
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